美国年轻人的工会,债务和财务优势
Alec P Rhodes1, Rachel E Dwyer2
1University of Wisconsin-Madison, Madison WI, USA.
概括
工会员工获得财务优势,包括在年轻时获得更好的信贷和更少的昂贵的财务策略. 这些劳动力市场的好处影响了长期的财务福祉和不平等.
科学领域:
- 社会学 社会学 社会学
- 经济学 经济学 经济学
- 劳动研究 劳动研究
背景情况:
- 工会工人通常会在劳动力市场上获得显著的优势.
- 这些优势对金融市场的可转移性仍未得到充分探索.
- 年轻的成年期是建立财务基础的关键时期.
研究的目的:
- 调查工会覆盖是否转化为年轻人的财务优势.
- 检查工会在获取财富建设信贷和避免财务困境方面的作用.
- 扩大现有的金融优势模式,包括职业生涯早期的工会覆盖.
主要方法:
- 利用了来自国家长度青年调查1997年队列的数据.
- 分析了工会覆盖和年轻成年人持有的债务之间的关系.
- 采用了财务优势的概念模型.
主要成果:
- 发现,欧盟的覆盖范围有助于在年轻成年期获得财务优势.
- 增加对财富建设信贷的准入与工会覆盖率有关.
- 有工会的年轻人不太可能采用昂贵的财务应对策略.
结论:
- 劳动力市场机构,如工会,在促进经济优势方面发挥着至关重要的作用.
- 信用和债务动态是生命过程中不平等过程中的重要因素.
- 工会化可以积极影响成年早期的财务发展轨迹.
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